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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,906 | $71,197-77.7% | $93,669-83.0% | $80,925-80.3% |
| Participation rate | 63.8% | 60.4%+3.4pp | 68.7%-4.9pp | 67.7%-3.9pp |
| Annual return | 12.96% | 11.27%+1.7pp | 133.59%-120.6pp | 35.65%-22.7pp |
| Employer contribution / active EE | $1,933 | $1,565+23.5% | $2,424-20.2% | $2,756-29.9% |
| Participant deferral / active EE | $2,425 | $4,036-39.9% | $4,416-45.1% | $4,299-43.6% |
| Admin fee / account holder | $388 | $6,959-94.4% | $8,291-95.3% | $6,940-94.4% |